If you’re struggling financially and finding it difficult to make your repayments, please contact us immediately.

We understand that things don’t always go to plan and we’ve got a range of options for customers who are going through difficult times.

We offer all customers the option to make a hardship application when they’re facing unforeseen circumstances. Every situation is different, with some events such as deaths, accident or illness being obvious reasons for hardship. But there are a whole range of different events that can put you in a position of financial difficulty. It could be a landlord requesting you move out or a sick child requiring you to take unpaid leave from work. Whatever it is, we can work something out.

The best thing to do is give us a call and let us know of your situation. We can then run through all of your options and if you want to make a hardship application, you can do so by following the below guidelines.

To apply for hardship please send us an email titled ‘Hardship application’ with the following information.

• Your full name and current physical address.
• Your current phone number and email address.
• The reason you’re in a position of hardship.
• How much you can afford to pay at present and how frequently you can pay.
• How long you will need to get back on your feet (approximate).
• Have you got a Repayment Waiver or Payment Protection Insurance with your loan?
• If you’ve spoken to anyone about your finances and if you’d be willing to meet with a budget advisor.

What changes can be made?

You can ask for your contract to be changed by either:

• extending the term of the contract and reducing the amount of each payment
• postponing debt repayments for a specified period of time (a payment holiday)
• extending the term of the contract and postponing debt repayments for a specified period of time (a payment holiday).

While these options will provide temporary relief, they are likely to increase the total amount owing on a loan.

We will respond within one business day to let you know the status of your application. We will need you to send us a copy of your bank statements within three days of your hardship application, so we can verify your income and expenses, then come back to you with some options.